Frequently asked questions

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Yes, the tax statement for the tax return (main account and Spaces) will be available in the app from the end of January (free PDF).

For invest users, we will make the tax statement (main account, Spaces and invest) available in eTax format from the end of February.

Whether digital or printed, you can submit your documents easily and conveniently with our tax certificates.

The tax statement will be available in the app every year from from the end of January. You will find it under «Profile», then «Account statements» and «Tax statement». NB: The amount on the tax statement may differ slightly from the amount you saw on your account at the end of December if some transactions have not yet been posted.

Spaces are your way to subdivide the money in your neon account. So you don't have to have all your money in one place anymore, but you can easily move parts of it into your Spaces.

Click on «Home», then «Total» to get to your Spaces overview. In order to use the feature, we'll set it up for you first. This should take about a minute. Once this is done, you can create your first Space. Just click on «Add Space». You can choose from ten icons that best fit the purpose of your Space and give it its own name. And just like that, your first Space is created! Up to 10 different Spaces are possible.

Important: You can only move money between your main account and a Space. The amount you want to move to your Space must therefore first be available on your main account.

Open your Space and click on «Add money». Enter the desired amount and confirm. The money will now be deducted from your main account and added to your Space. The other way around is just as easy: Click on «Withdraw» to move money from your Space back to your main account. In your main account, a transfer will appear as a normal transaction, just like you know it from your other payments with neon. An overview of the movements per Space can be found in each Space.

The cumulated monthly limit for withdrawals from all your Spaces to your main account is 50'000 CHF per calendar month – this limit does not apply to payments and transfers going out of your main account. Please be aware that if you exceed this monthly limit, you'll have to pay a 2% fee at the end of the year on the exceeding amount. If you plan to withdraw more than 50'000 CHF in one specific month, it's best to reach out to us so we can explain everything in detail.

Our tip: Since the limit is set per calendar month, you can simply split your withdrawals between the end of one month and the beginning of the next one. Let's have a look at an example:

Say you withdraw 30'000 CHF, then 20'000 CHF, then 5'000 CHF from your Spaces within the same calendar month. In this case, you would have to pay a fee of 2% on the amount exceeding the limit of 50'000 CHF. This corresponds to 2% of 5'000 CHF, meaning 100 CHF in fees. You should definitely try to avoid this. 

Instead, you could withdraw 30'000 CHF and 20'000 CHF in the same calendar month, but wait for the first day of the next month to withdraw another 5'000 CHF. This way, you don't have to pay any fee.

No. You can only move between the main account and Space. However, we are looking into whether we can offer you this option in the long term.

50'000 CHF per day. But be careful: Transfers to and from Spaces are considered normal payments. You can therefore transfer e.g. 25'000 CHF to a Space and then 25'000 CHF back again, but then you cannot trigger any further payments on the same day (nor pay any further bills), because you can only trigger a total of 50'000 CHF per day in payments on your account. On the next day, 50'000 CHF are possible again. Also, take note of the monthly withdrawal limit for Spaces.

Yes, of course! To do this, start a transfer to your Space as usual and select «Make it recurring». 

If you make a transfer on the weekend or in the evening, it will be executed immediately, but it will not be posted until the next business day. Therefore, the date of the transaction displayed in the app may be in the future.

At the moment you can't change names and images for existing Spaces. But we are checking how we can offer this functionality in the future.

Normal transactions - like paying for your lunch with the neon card or paying your electricity bill - are always deducted from your main account. Therefore, make sure that you have enough money on your main account, especially if you have set up recurring payments, LSV, eBill or future payments. Money that is on your Spaces is segregated so you don't spend it by mistake.

No. The money from card payments is always deducted from your main account. So if you have saved money for your vacations in your Space, you have to move it to the main account first. Only then you can spend it.

No. The same goes for money that is transferred to your neon account: Everything always ends up in your main account first. From there you can move it to your individual Spaces.

No, there isn't.

Yes. You can use your neon account without Spaces and just leave all your neon money in your main account.

No. It is currently not possible to open joint Spaces. 

However, you can set up a Space named «Household», for example, in your private account with the excess joint balance to earn interest and move the money back to your joint account in seconds once you need it again.

Please note that the money transferred to the Spaces counts as part of your private account and therefore legally no longer belongs to both of you, but to you alone.

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